Disclosure
The information contained in this site is published for clients of Horizon
Financial
Planning Corporation as well as friends, other business associates and
prospective clients
in general. Our goal is to present financial/financial planning topics and
general life style
information. When we prepare the information at this web site, we endeavor to
ensure
that all information is current, accurate and conforms to all applicable
legislation.
Any commentary, advice, recommendations, editorials are written to
be in compliance with the security and insurance laws of the State of
Michigan for residents in the State of Michigan. Other states my be
applicable as Horizon Financial Planning Corp. may be registered in additional states.
This information is not intended to be for advisory services. Any information
contained
in these sections SHOULD NOT BE ACTED UPON WITHOUT a detailed review of your
specific situation by a competent advisor. Please consult your professional
advisor or a
Horizon Financial Planning Corp. representative at (800) 878-4036 before acting on
any
information or suggestions contained herein.
Privacy Statement
Revised and posted as of:
February 03, 2006
Horizon Financial Planning Corp. is committed to safeguarding your privacy
online. Please read the following statement to understand how your personal
information will be treated as you make full use of the Horizon Financial
Planning Corp. Web site. The Horizon Financial Planning Corp. Web site is owned
and operated by Horizon Financial Planning Corp.
If you have any questions regarding our privacy statement, please feel free to
contact us by e-mail at derrick.winke@winke.com
Gathering of Information
Voluntary Submission
Horizon Financial Planning Corp. does not collect personally identifying
information about any individual Horizon Financial Planning Corp. Web site user
except when knowingly provided by such individual. For example, we may ask you
for information when you register for a contest or survey or to receive a
newsletter. You always have the option not to provide the information we
request. If you choose not to provide the information we request, you can still
visit most of the Horizon Financial Planning Corp. Web site, but you may be
unable to access certain options and services.
Cookies
A cookie is a data file that certain Web sites write to your computer's hard
drive when you visit such sites. A cookie file can contain information, such as
a user identification code, that the site uses to track the pages you have
visited. Horizon Financial Planning Corp.
DOES NOT USE COOKIES.
Please note sites linked to this web site may
utilize cookies, these cookies are related specifically to those sites and are
not collected by or pass through this web site.
Most Web site browsers automatically accept cookies, but you
can usually change your browser settings to display a warning before accepting a
cookie, or to refuse all cookies.
Browser Level Information
Horizon Financial Planning Corp. Web servers automatically collect information
about a site user's IP address, browser type and referrer by reading this
information from the user's browser (information provided by every user's
browser). This information is collected in a log and used--in an aggregated,
anonymous manner--in our internal analysis of traffic patterns within our Web
site. This information is automatically logged by most Web sites.
Electronic Mail
When you send us personal identifying information via e-mail
(that is, in a message containing a question or comment, or by filling out a
form that e-mails us this information, Horizon Financial Planning Corp. use it
to respond to your requests. We do not retain or distribute lists of e-mail
addresses to any parties out side of Horizon Financial Planning Corp. or its
affiliated companies.
Use of Information
Our primary goal in collecting user information is to enhance your experience on
our Web site. We achieve this goal by, among other things, providing interactive
communications such as our electronic newsletters to the e-mail address that you
provide to us, and developing future editorial content based on your interests.
To develop content targeted to your interests, we use aggregated user
information to determine which areas of our Web site users prefer based upon
traffic to those areas. We do not track what individual users read, but instead
how well each page or content area performs overall.
Horizon Financial Planning Corp. is a free Web site. We do not disclose
personally identifying information about our users to any other site or business
entity not affiliated with Horizon Financial Planning Corp.
Horizon Financial Planning Corp. may also disclose information about our users
when we believe, in good faith, that the disclosure is required by law or in the
event of a suspected attempt to deliberately bypass our server's security with
the intent to gain unauthorized access or to do physical damage. System
security will upon the detection of an attempted intrusion attempt to
specifically identify the individual computer system utilized in the
unauthorized access.
When you are on an area of Horizon Financial Planning Corp. and are asked for
personal information, you are sharing that information with Horizon Financial
Planning Corp. If you do not want your information to be shared, you can choose
not to allow the transfer of your information by not using that particular
service.
Please be aware that Horizon Financial Planning Corp.
sponsors, advertisers or Web sites that have links on our site may collect
personally identifiable information about you. The information practices of
those parties and Web sites linked to Horizon Financial Planning Corp. are not
covered by this privacy statement. Horizon Financial Planning Corp. users should
also be aware that, when you voluntarily disclose personal information in chat
areas or bulletin boards, that information may be collected by others and may
result in unsolicited messages from others.
Kids under 13: Do not send any information about yourself to
us--including information such as your name, address, or e-mail address. We do
not knowingly collect personally identifiable information from children under
13. In the event that we learn we have collected any personal information from a
child under the age of 13 without verification of parental consent, we will
delete that information from our database as quickly as possible.
How to Contact Us
If you have any questions regarding our privacy statement, please feel free to
contact us by e-mail at Derrick.winke@winke.com
This statement may change from time to time, so please check back periodically.
DEFINITIONS:
IP address:
Every computer connected to the Internet has a numeric address called an IP
address." This may or may not correspond uniquely to a particular computer. In
some cases, IP addresses can be resolved to domain names, which may indicate a
site visitor's Internet service provider, employer, university, etc. As part of
its database analysis Horizon Financial Planning Corp. resolves IP addresses to
domain names.
Browser type:
A users browser is a software program running on a computer that allows users to
access documents on the World Wide Web. Browsers can be either text or graphic.
They read HTML coded pages that reside on a server and interpret the coding into
what the user sees as Web pages. Netscape Navigator and Microsoft Internet
Explorer are examples of Web browsers. Browser type typically discloses hardware
platform, operating system, and browser software and version.
Referrer:
The referrer is the URI of the Internet resource or page that causes a browser
to request a page or image from Horizon Financial Planning Corp. servers.
NIC: Network Interface Card
MAC:
Media Access Control - a.k.a. hardware or node address; the last 6 digits are,
in effect, the NIC's "serial number". Each NIC has a unique serial number.
Horizon Financial Planning Corp. security systems will attempt to gather this
information during an attempted security breach.
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